7.
Mobile money market: payments are accelerating
in major markets
PayPal processed $4 billion worth of mobile payments in 2011*
•$750 million in 2010*
•$141 million in 2009*
David Marcus, vice president of PayPal Mobile*
Starbucks Mobile Application with rewards and mobile payments
•Started with Northern California and Seattle
•Now available nationwide in the US
•Mobile application is available on apple and blackberry
Juniper Research reports consumers will use mobile
payments to pay for $670 billion worth of goods and
services by 2015.
Google Wallet payments are now supported by Toys ‘R’
Us, Macy’s, and Bloomingdales

26.
Acquirers
Impacts: retailers, banks and facilitators look to expand
their roles
BanksRetailers
Payment Providers
Credit Card Companies
Telcos
Both Acquirers and
credit card companies
can be utilized in or
disintermediated from
electronic payments
In major markets
banks act as the
fund holders
Telcos and payment
providers can either
access payers’ funds
directly through banks
or indirectly through
acquirers and credit
card networks

38.
38
Lotte Credit Card
Augmenting offerings with IBM Worklight
WSP14583-USEN-00
Solution components:
 IBM Worklight
 Finance All Solutions (FAS)
The need:
Korean companies are facing a demand for mobile apps from over 7
million smartphone users, up from only 800,000 in 2009, forcing them to
vigorously explore options for value-added services.
The solution:
To capitalize quickly on this rapidly growing trend, Lotte Credit Card
turned to IBM Worklight to develop an advanced application with a rich
and engaging user experience using over 100 screens, location-based
features and scannable mobile coupons. The application incorporates
augmented reality components—a first in the region—helping users find
the retail locations of its reward partners on the go.
The benefit:
 Reduced time to market and associated costs
 Deployment of one of the region’s most advanced financial mobile
applications
 Enabling better customer and employee user experience across more
devices
“We chose IBM Worklight
because it was the best
technology for Lotte to
consolidate application
development, enhancement
and maintenance, while
ensuring cost savings and
timely delivery to our
customers.”
—Kim, Young Sam, IT Planning
Team Leader, Lotte Credit Card

40.
Visa’s real-time messaging
technology (RTM) creates a
seamless experience for
merchants who want to increase
engagement with their
consumers through
Visa provides real-time technology to
achieve breakthrough marketing
effectiveness for merchants.
Personalized
offers
Business problem
Merchants operate in a highly competitive environment where the keys to success
are bringing customers in the door and then keeping them loyal to the merchant’s
brand.
Solution: Visa’s real-time messaging technology (RTM) allows merchants to
provide more relevant offers to enrolled consumers by combining historical
purchasing behavior with real-time purchase location information. Offers are
delivered to enrolled consumers through their mobile devices and personalized to
them.
Visa created a new revenue
stream by maximizing the value
of
Real-time
purchase
location
information